About Brandon Roberts

Brandon Roberts has been a member since April 19th 2012, and has created 267 posts from scratch.

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Whole Life Insurance Pros and Cons

whole life insurance pros and cons on the scale

First, I feel the need to provide context for this post. 99% of our clients want to use cash value life insurance as an asset class. Which means people need to distinguish whole life insurance from indexed universal life insurance.

Yes, there are other products.

But none that we feel are worthy of consideration.

Which is better?

What are the pros and cons of each? Why would a person use one versus the other? Read More…

175 The Plural of Anecdote is Not Data

the plural of anecdote is not data



Every now and then something comes along that we just have to spend a bit more time on than usual. Today in the second half of the show, we get into proposed legislation from the Department of Labor.

Now, this isn’t the first time we’ve discussed the issue. But we now have congressional testimony to reference.

The testimony is enlightening. It confirms what we’ve suspected for quite some time…the people who try to make the rules for the financial services industry have no clue how anything ACTUALLY work. Read More…

Could Your Loan Rate on Your Indexed Universal Life Insurance Drive Your Cap Rate Down?


Recently there have been some rumblings in the life insurance industry. I know, big surprise. It seems life insurance agents and industry professionals love to disagree.

First, make sure you read last week’s post, “Introduction to Indexed Universal Life Policy Loans“.

It’s important for you to have context for the discussion below.

The particular disagreement in this instance relates to loans on indexed universal life insurance. What’s been circulating is a rumor of sorts. And the rumor is that the fixed rate loan feature of indexed loans is going to be trouble.

For whom, you ask? Read More…

174 Predictions with Exactitude




Today we’re tackling the topic of getting your financial house in order. That also means that we’re discussing the lack of solid financial educational information that is available. Read More…

Introduction to Indexed Universal Life Insurance Policy Loans

loans for indexed universal life insurance

Indexed universal life insurance policies generally offer two types of policy loans. Though the language can be a bit intimidating to some, by the end of this introduction, you should have a solid understanding of what’s available and how the different loan options work.

Typically, indexed universal life insurance policies have two loan options. The first loan type is the traditional loan (sometimes referred to as the fixed loan option). The second loan type is the indexed loan (sometimes referred to as an “arbitrage” loan). Read More…